Finance advice
Richard Symes

Avoiding the Christmas credit card hangover

By Richard Symes

Tis’ the season to be jolly; however for many come 2014, it could be the season to be sorry.

Blogger: Richard Symes, CEO, Credit Repair Australia

Once the Christmas cheer has well and truly worn off, suffering from a credit card hangover could lead to more serious problems such as a default on your credit report.

According to Commonwealth Bank, Australians are predicted to spend $18 billion this Christmas season, a further $2.2 billion more than last year. Getting swept up in the spirit of Christmas can lead to spending over and above your income, leaving your credit card to make up the difference.

Credit reporting agency Veda Advantage says Australians usually apply for more credit between October and December and those that receive the credit are 8 times more likely to have a black mark on their credit report in the New Year.

Over spending on credit cards can have a flow on effect on your other financial commitments, leaving you short to pay bills. In turn, a bill that is left unpaid for 60 days or more registers a black mark on your credit report that lasts 5 to 7 years.  So, if you have plans that involve seeking financing between now and 2020 – be it a mortgage, car loan or new mobile phone plan – a Christmas credit card hangover is something to avoid at all costs.

If this sounds familiar, it doesn’t have to be you. Here are some tips to help manage Christmas spending:

1.    It may sound simple, but leaving your credit cards at home and shopping with cash this Christmas, will help to not add more to your current credit card debt
2.    Don’t ignore your credit card problems. Pushing aside the monthly credit card statements won’t help your financial situation  
3.    If you are struggling to make repayments, speak to your creditors. Many understand the stress related to this time of year and may arrange a temporary payment plan to help get you back on track
4.    Be prepared. Plan a Christmas budget and start saving now for 2014. Putting aside a small amount each week can make it easier to pay for the festive period when it comes around again

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About the Blogger

Richard Symes

Richard Symes

Richard Symes is the CEO and founder of Credit Repair Australia, the leading provider of credit and debt solutions. Richard pioneered the credit restoration sector and developed Australia’s first credit restoration process over a decade ago, allowing Australians to have black marks completely removed from their credit report. In 1999 Richard also played a pivotal role in using new Australian laws to develop workable solutions for people struggling with debt. Known as Credit Repair Australia’s debt solutions, these options now allow Australians to pay back their debts at an amount that is affordable, which may not include interest or paying the full amount of what is owed.

“We are good at what we do because we believe in what we do. We enjoy helping people get their lives back, especially when they are affected by their credit rating. We built Credit Repair Australia with one purpose in mind, to get results that can give people back control of your life.”

For more information on Credit Repair Australia visit www.creditrepairaustralia.com

FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED: 

Sydney
Brisbane
Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED:

Revesby
South Hurstville
Sans Souci
Strathfield

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Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

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In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

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AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together

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